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Purpose of the Homeownership Retention Campaign and Foreclosure Prevention Workshop
The intent of Homeownership Retention is Campaign to provide a local source of counseling support and direction for homeowners who may be facing some level of mortgage distress. Whether they foresee the possibility of difficulty or they are already in receipt of a mortgage default letter from their lender, they are encouraged to participate in the process. The concept is to provide support, clarification, options, and resources from both the counseling agency staff and mortgage servicing companies offering options ranging from “refinancing” to mortgage modification options with Fannie Mae, FHA, Freddie Mac VA or other conventional mortgage programs.
Initial Access
Initial access will be through a group activity classroom setting to be known as “An Overview of Foreclosure Prevention”. The class will serve to provide an overview of typical options available to many people facing foreclosure. An offer of additional one-on-one counseling will be made available to class participants. Although it is highly recommended that home owners in distress attend an HRC Class attendance is not mandatory in order to receive assistance from HEA. There is no cost associated with this program and home owners in financial distress or facing possible foreclosure should not pay for these services. If you have been or think you have been scammed by a “Foreclosure Rescuer” please go the “Stop the Mortgage Foreclosure Rescue Scams” link on the home page and report these companies.
Foreclosure prevention services are offered for free by Housing and Education Alliance, Inc. and other HUD approved housing counseling agencies.
Time Frame:
The initial overview of foreclosure prevention class will be approximately two (2) hours in duration. This may allow for an initial discussion and possible review of documents and your situation as well as an explanation of full agency involvement. The class is intended to give the homeowner possible options on how they may move through the process.
Possible outcomes based on their individual circumstances along with referrals when and where needed. Clients must enroll for the initial class via our website at www.myhomeamerica.org, or by telephone at 813-932-4663, and bring all requested documentation to class or to their initial one-on-one counseling sesion.
One-on-one counseling session appointments will be made by the client with an HEA counselor on line after the class has been completed and all documentation is received.
Note: Class participation is not required to receive help through HEA’s HRC program.
If at all possible please bring the following documents when you come the Class:
Household Budget
Most recent Bank Statements from all accounts all pages (two months)
Most recent Pay stubs all jobs and all members of the household who are employed (1 Month)
Any and all recent correspondence received from your Lender/Servicer or their Attorney
Please draft a “Hardship Letter”, it should be short (not more than two paragraphs) to the point and describe what happened to bring the crisis. What has been done to resolve the problem if anything and a statement regarding your commitment to keeping your home.
Please select from the available class dates below:
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